Search found 529 matches

by OnTrack
Thu Dec 05, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: The 10 biggest new ETFs of 2019
Replies: 9
Views: 764

Re: The 10 biggest new ETFs of 2019

What does ESG mean. Don't see it in the Bogleheads acronym list.
https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms
by OnTrack
Thu Dec 05, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Two factor authentication codes
Replies: 11
Views: 760

Re: Two factor authentication codes

I just cut and paste the code, no need to remember it or type it.
by OnTrack
Tue Dec 03, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Patent incentive
Replies: 46
Views: 2227

Re: Patent incentive

In some countries, employees have more rights as inventors than in the United States. "Japan hit the headlines in 2004 when component maker Nichia was ordered to pay $189 million to its employee Mr Nakamura, the principal inventor of the blue LED, a hugely profitable product. Nichia was reported to ...
by OnTrack
Mon Dec 02, 2019 11:19 pm
Forum: Investing - Theory, News & General
Topic: SIPC coverage... Simple questions
Replies: 12
Views: 585

Re: SIPC coverage... Simple questions

Thanks all for the feedback. Mods can close the thread unless anyone has other points. It looks like there is no reason for me to worry or think about this given Vanguard having coverage up to 50m, I'm light years away from that. Just as long as you understand that the 50m is not for your account o...
by OnTrack
Sun Dec 01, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: termination with out severance from a mega-corp
Replies: 49
Views: 7294

Re: termination with out severance from a mega-corp

If you talk to a lawyer, be sure before discussing anything that the law firm does not represent the megacorp or otherwise have a conflict of interest. Otherwise you are wasting your time and possibly revealing information to the other side. The lawyer would be require to disclose that fact before ...
by OnTrack
Sun Dec 01, 2019 1:44 am
Forum: Investing - Theory, News & General
Topic: [WSJ Article (later refuted) - Ray Dalio bets on a bear market]
Replies: 54
Views: 5248

Re: [WSJ Article (later refuted) - Ray Dalio bets on a bear market]

I don't know if his option bet will pay off. But I do like some of the YouTube videos that he has produced and narrated: Principles for Success by Ray Dalio (in 30 minutes) https://m.youtube.com/watch?v=B9XGUpQZY38 How the Economic Machine Works by Ray Dalio (in 30 minutes) https://m.youtube.com/wat...
by OnTrack
Sun Dec 01, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 68
Views: 8826

Re: Why I love banks

obgraham wrote:
Sat Nov 30, 2019 11:40 am
I've often wondered why we get obsessed with "free notary when you need it" as a reason to keep a big bank balance at sub-par rates.

I might need a notary once in 5-10 years.

MailStop or UPS store. $10. Big deal!
Ok for notary, but you can't get a medallion signature guarantee at UPS.
by OnTrack
Sat Nov 30, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: termination with out severance from a mega-corp
Replies: 49
Views: 7294

Re: termination with out severance from a mega-corp

If you talk to a lawyer, be sure before discussing anything that the law firm does not represent the megacorp or otherwise have a conflict of interest. Otherwise you are wasting your time and possibly revealing information to the other side.
by OnTrack
Sat Nov 30, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: ACA PTC for partial year participation
Replies: 7
Views: 481

Re: ACA PTC for partial year participation

If the PTC for Jan - Jun was based on estimated AGI of $0 (why woudn't it be?), then the recipient will definitely need to re-pay some of that because the eventual actual AGI will no longer be $0. And, if the eventual actual AGI ends up being >400% poverty level then they will need to repay the who...
by OnTrack
Thu Nov 28, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: when to pay 1099 quarterly taxes?
Replies: 14
Views: 1158

Re: when to pay 1099 quarterly taxes?

You can increase your withholding on your W2 income to cover your combined W2+1099 income. Which would mean that you can avoid having to file form 2210 to prove that your income varied during the year given that you won't have 4 equal installments of estimated taxes. Also, don't forget state withho...
by OnTrack
Thu Nov 28, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: Just Starting Down The Rabbit Hole
Replies: 53
Views: 3846

Re: Medicare: Just Starting Down The Rabbit Hole

The only thing I found that was difficult was the transition from "Me + Wife both on ACA plan" to "Me on Medicare, Wife on ACA plan". The Healthcare.gov rep on the phone messed up the transition. It popped my wife into the Medicaid queue. If you don't mind, can you share if you now know Why this ha...
by OnTrack
Thu Nov 28, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: Just Starting Down The Rabbit Hole
Replies: 53
Views: 3846

Re: Medicare: Just Starting Down The Rabbit Hole

I don't have to worry about this for a few years, but also don't some MCare Advantage plans have lifetime dollar limits? I don't know, but when I was looking into a Kaiser MA (part C) plan I was told by the Kaiser representative that they don't have lifetime limits ( you should of course independen...
by OnTrack
Mon Nov 25, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 131
Views: 12527

Re: Schwab acquiring TD Ameritrade

I'm getting a little tired of having the institutions where I have my accounts bought out. Have to learn new websites. Have to change bookmarks. Have to change ACH links, routing numbers, etc. In some cases documentation must be saved or it will be lost (statements, conformations, etc.). Get 2 1099s...
by OnTrack
Mon Nov 25, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: HOA Advantage
Replies: 42
Views: 2024

Re: HOA Advantage

Perhaps even more of a problem than HOAs are Metro districts. If you are considering buying a house in a metro district, be sure you understand the financial impact.
https://thehill.com/opinion/internation ... n-colorado
by OnTrack
Mon Nov 25, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 262
Views: 71129

Re: Found hidden safe, should we crack?

Just don't try to use an acetylene torch to open it. I know of a case where some burglars tried to open a floor safe that way and gave up and left. When the owner discovered what happened and opened the safe, the cash that was inside was burned up.
by OnTrack
Thu Nov 21, 2019 11:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 131
Views: 12527

Re: Schwab acquiring TD Ameritrade

Maybe we'll see an end to TDAM bonuses shortly, since Schwab is already cutting back on bonuses except for new customers (they had one offer for existing customers in November, which was pulled in a few weeks). ADDED: Although oddly, Scottrade continued to offer bonuses, even for transfers from TDA...
by OnTrack
Wed Nov 20, 2019 7:16 pm
Forum: Investing - Theory, News & General
Topic: How does Gotrocks family earn if there is no trading? [John Bogle book]
Replies: 8
Views: 699

Re: How does Gotrocks family earn if there is no trading? [John Bogle book]

In a market transaction, someone's gain must necessarily correspond to someone else's loss. The Gotrocks earn the market return after all the transaction gains and losses have been balanced out. This doesn't sound correct. I think there are many market transactions where both parties gain something.
by OnTrack
Mon Nov 18, 2019 12:50 am
Forum: Personal Investments
Topic: When do you take it off the table?
Replies: 23
Views: 4204

Re: When do you take it off the table?

with an additional $22,000 (122k total before tax) for healthcare until Medicare. Just be aware that there will still be healthcare costs once on Medicare. For example 2019 part B premium is $135.50 per month per person ($3252 per year for a couple) plus medigap/part D or part C plus things that mi...
by OnTrack
Mon Nov 18, 2019 12:31 am
Forum: Investing - Theory, News & General
Topic: Help me understand iShares FLOT
Replies: 18
Views: 1166

Re: Help me understand iShares FLOT

Year to year the max drawdown is -0.52%. Month to month it is -2.26%. I do own some FLOT but not as an emergency fund. Perhaps MINT would be better, looks like max month to month drawdown is -0.55%. SEC yield is 2.12% vs 2.27% for FLOT. Oh! -2.26% month to month is definitely not what I'm looking f...
by OnTrack
Sun Nov 17, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: Help me understand iShares FLOT
Replies: 18
Views: 1166

Re: Help me understand iShares FLOT

The 1 year price range is 50.02 - 51.01, about a 2% range. So it definitely can fluctuate in value. From the 1 year chart it looks like it dropped in value in Dec 2018 and then recovered. The portfolio visualizer says that the Mas Drawdown in the 8 years that FLOT has existed is -0.52%. Any bond fu...
by OnTrack
Sun Nov 17, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: Help me understand iShares FLOT
Replies: 18
Views: 1166

Re: Help me understand iShares FLOT

The 1 year price range is 50.02 - 51.01, about a 2% range. So it definitely can fluctuate in value. From the 1 year chart it looks like it dropped in value in Dec 2018 and then recovered.
by OnTrack
Fri Nov 08, 2019 9:59 pm
Forum: Personal Investments
Topic: Umbrella Policy - when does it NOT cover something?
Replies: 25
Views: 2882

Re: Umbrella Policy - when does it NOT cover something?

Umbrella typically only expands $$ of coverage, not the types of perils covered. Key distinction. So in a sense the answer is easy ... Umbrella will not cover you if the underlying auto / homowners / landlord policy will not cover you. That is my understanding as well. One is not purchasing a new t...
by OnTrack
Fri Nov 08, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bonds getting killed today
Replies: 94
Views: 12093

Re: Long Term Bonds getting killed today

nedsaid wrote:
Thu Nov 07, 2019 11:14 pm
Well, so much for that inverted yield curve. I think I am going to start a "Long Term Bonds in freefall" thread. Or is that free fall?
There is a "US Bonds in free fall" thread.
viewtopic.php?f=10&t=294453
by OnTrack
Wed Nov 06, 2019 11:47 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 176
Views: 25172

Re: Ray Dalio’s latest fearmongering round

Source Billionaire hedge-fund founder Ray Dalio said the global economy is under threat from an explosive mix of ineffective monetary policy, a rise in the wealth gap and climate change. The combination will lead to a “scary situation” over the next decade, according to Dalio, whose investment mana...
by OnTrack
Sun Oct 27, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: "Full Health Insurance" Coverage via Medicare
Replies: 22
Views: 1866

Re: "Full Health Insurance" Coverage via Medicare

Be aware that even medigap (aka supplemental) may not cover everything. As others have pointed out they don't cover dental, vision or hearing. Outside of the US it only covers emergency care at 80% and with a lifetime limit of $50k and a few plans don't have international coverage (so travel insuran...
by OnTrack
Sat Oct 26, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Nursing homes. In my area70002
Replies: 4
Views: 637

Re: Nursing homes. In my area70002

I can't speak to the financial aspect, but you can compare nursing homes per zip code on this Medicare site:
https://www.medicare.gov/nursinghomecompare/search.html?

It lists 32 nursing homes within 25 miles of 70002 and gives star ratings.
by OnTrack
Sat Oct 26, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5372

Re: Anyone buying PG&E stock?

Not me. Seems like they are in a loose/loose situation. Leave power on and they get sued for causing fires. Turn power off and they get sued for the impact of loosing power. And when they do turn off the power they are losing lots of revenue. Of course, if PG&E were to focus on acquiring a substant...
by OnTrack
Sat Oct 26, 2019 2:10 am
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5372

Re: Anyone buying PG&E stock?

Not me. Seems like they are in a lose/lose situation. Leave power on and they get sued for causing fires. Turn power off and they get sued for the impact of loosing power. And when they do turn off the power they are losing lots of revenue.
by OnTrack
Sat Oct 26, 2019 1:44 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4998

Re: First Republic Bank doesn’t have physical coins

Using this inflation calculator that goes back to 1913, a penny in 1913 is worth 26 cents today. https://data.bls.gov/cgi-bin/cpicalc.pl "The half cent is the smallest denomination of United States coin ever minted. It was first minted in 1793 and last minted in 1857." https://en.m.wikipedia.org/wik...
by OnTrack
Sat Oct 26, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4998

Re: First Republic Bank doesn’t have physical coins

Obviously, in most places mass transit is mostly used by the relatively poor ... Huh? I have used mass transit to get around NYC (subways/buses), San Francisco (Bart), London and Paris (underground). Not sure your definition of "relatively poor" but I would not put that label on myself; maybe relat...
by OnTrack
Thu Oct 24, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Security camera questions
Replies: 10
Views: 1248

Re: Security camera questions

Like I mentioned, it's an hour away plus I only go there 2 or 3 times a month. I guess one question would be how do you intend to use the cameras. Options I can think of: - Store video for 2+ weeks so if you find something wrong when you do go there you can then rewind the recording to see what hap...
by OnTrack
Thu Oct 24, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Security camera questions
Replies: 10
Views: 1248

Re: Security camera questions

Is there a reason you want the recorder at home instead of at the storage building? I guess one problem would be if someone broke in and stole the NVR from the storage building. I think there are also options to store it to a cloud service. I suspect you will want to get an internet connection insta...
by OnTrack
Fri Oct 18, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: ADT home security after contract expires
Replies: 23
Views: 1606

Re: ADT home security after contract expires

"Usually alarms are considered third priority (no lights or sirens) because the vast majority is false." "In many cities, such false alarms often number in the tens of thousands each year, waste millions of dollars of officer time, and detract from attention to reducing crimes." https://www.urban.or...
by OnTrack
Thu Oct 17, 2019 10:51 pm
Forum: Personal Investments
Topic: Target Date Fund Conundrum
Replies: 16
Views: 2451

Re: Target Date Fund Conundrum

So if, for example, OP wants 20% in cash and bond and 80% in target, just find the target fund with 50% in stock and 50% in bonds and withdraw 20% out of that fund for the cash and bonds. Just be aware that some 401ks don't allow the owner to specify which fund to withdraw from. Mine only allows wi...
by OnTrack
Wed Oct 16, 2019 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing methods
Replies: 5
Views: 1016

Re: Medigap pricing methods

......it is sometimes recommended to purchase issue age policies because although they may cost more at age 65 they should cost less at older ages. However, based on the referenced document the few issue age policies available in that zip code seem to be higher cost for the 4 age groups (65, 70, 75...
by OnTrack
Mon Oct 14, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing methods
Replies: 5
Views: 1016

Medigap pricing methods

Here are some thoughts on medigap pricing methods (issue age, attained age and community rated). I will reference the docuement "Colorado Medigap Policies and Prices (2019) - https://drive.google.com/file/d/1I6NGuzeqiuQmKmiUYCOPYLnFI5oo8nBX/view This docuement has all the medigap policies available ...
by OnTrack
Mon Oct 14, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6336

Re: Social Security Card as Identification for Real ID

When I got my first real ID driver's license, the clerk at the DMV would not accept my birth certificate, I think because it was issued by a municipality, not the state. However, they accepted my passport instead even though the municipality issued birth certificate was used and accepted when origin...
by OnTrack
Sun Oct 13, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6336

Re: Social Security Card as Identification for Real ID

I lost my SS card 3 decades ago. Have never thought about or needed it since I lost it. Did you ever get hired in a new job since you lost your SS card? Under US federal law (Immigration Reform and Control Act of 1986), you must show documentation verifying (1) that you are authorized to work in th...
by OnTrack
Thu Oct 10, 2019 2:47 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3495

Re: Employer switching to higher fee 401k admin. What would you do?

I know some people whose 401k plan was transferred from Fidelity to a less desirable provider. They were still employed by the same employer, but they were able to rollover their 401k assets to IRA accounts. This would be a blatant violation of IRS regulations unless this was a part of certain acqu...
by OnTrack
Wed Oct 09, 2019 1:35 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3495

Re: Employer switching to higher fee 401k admin. What would you do?

I know some people whose 401k plan was transferred from Fidelity to a less desirable provider. They were still employed by the same employer, but they were able to rollover their 401k assets to IRA accounts. This would be a blatant violation of IRS regulations unless this was a part of certain acqu...
by OnTrack
Tue Oct 08, 2019 8:17 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3495

Re: Employer switching to higher fee 401k admin. What would you do?

The money in your employer 401k will automatically transfer over to the new 401k provider. You are not allowed to stay with the old provider or roll the money into your own IRA. It's only after you leave your current employer that you have the option of moving money from the 401k to your own IRA. C...
by OnTrack
Mon Oct 07, 2019 11:26 pm
Forum: Personal Investments
Topic: Highly Compensated Employee & 401K limits
Replies: 41
Views: 4412

Re: Highly Compensated Employee & 401K limits

Spirit Rider wrote:
Tue Oct 01, 2019 8:49 am
The best solution for the OP is to lobby for a safe harbor plan. Or if the 401k plan is top heavy, maybe they could be convinced to use the top 20% compensation for HCE designation.
Or the company could make "qualified non-elective contributions" (QNEC) to the NHCEs.
by OnTrack
Sun Oct 06, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1847

Re: Adding middle name to SSN and Passport

How did she get foreign passport issued with a name that was not on her birth certificate and had apparently not been legally changed either there or in US? Many people, when naturalize to become US Citizen, still hold on to their birth countries' passport. Doing that, whenever they visit their bir...
by OnTrack
Sun Oct 06, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1847

Re: Adding middle name to SSN and Passport

From the OP's post, I understand that his wife is a naturalized US citizen and she has a US passport with no middle name and a foreign passport with a middle name. Is the foreign passport still valid; does she have dual citizenship? Was The foreign passport presented as identification when applying ...
by OnTrack
Wed Oct 02, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Ceiling soffit removal
Replies: 4
Views: 634

Re: Ceiling soffit removal

Yes, actually DW and I removed soffit over kitchen cabinets. Then we had a contractor install new kitchen cabinets that went all the way to the ceiling. Turned out that there was quite a lot of wiring that had to be rerouted by an electrician; can't remember the cost. Also, there was a small portion...
by OnTrack
Mon Sep 30, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How does SS security office knows you're alive?
Replies: 19
Views: 2585

Re: How does SS security office knows you're alive?

It doesn't answer the "overseas" question, and I'm sure it is not always the answer, but one way it happens in the United States is that the family of the deceased calls a funeral director--needed in most? all? states even for a low-cost cremation--and the funeral director collects the deceased's s...
by OnTrack
Mon Sep 30, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 25266

Re: IT compensation comparison

Here is some data on profits per employee at tech companies in 2018. First 6 are: Facebook....$634,694 Apple.........$393,097 Microsoft.....$171,000 Alphabet.....$158,057 Cisco..........$131,810 Netflix........$109,588 They have a link to the data at the bottom of the page. https://www.postbeyond.co...
by OnTrack
Fri Sep 27, 2019 12:07 am
Forum: Investing - Theory, News & General
Topic: Is a third of US equities trading volume off exchange?
Replies: 6
Views: 672

Re: Is a third of US equities trading volume off exchange?

From: https://www.investopedia.com/articles/markets/050614/introduction-dark-pools.asp "The advantages of dark pools are as follows: Reduced market impact: The biggest advantage of dark pools is that market impact is significantly reduced for large orders. Lower transaction costs: Transaction costs ...
by OnTrack
Thu Sep 26, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?
Replies: 24
Views: 4901

Re: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?

Was there Medicare, Medigap, Medicaid, and/or other health insurance that would cover some or all of the hospital bills?
by OnTrack
Tue Sep 17, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4194

Re: International Medical emergency story [travel to Canada, no insurance]

His USAA policy is a Medigap plan. I'm not sure what percentage of the costs of out-of-country emergency care it pays, but I do know that there is a lifetime cap of $50,000 on those benefits. (You are probably right about the 80%. I just don't have it in front of me right now.) I checked with Kaise...